Kimberly Crane is a CFP® professional with 27 years of industry experience, currently affiliated with Morgan Stanley. Her background includes roles at Wells Fargo Bank, N.A., Wells Fargo Advisors LLC, and Morgan Stanley Private Bank, N.A. She serves on the board of the Hubbards Annex Homeowners Association, a nonprofit organization on Mackinac Island, Michigan. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools without providing individual security recommendations as part of its standalone planning service.

Allen Kowalski is a financial advisor with Raymond James & Associates, holding Series 65 and Series 66 credentials and bringing 27 years of industry experience. He has been with Raymond James & Associates since 2010. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutions, and municipal entities. The firm offers financial planning and advisory services featuring non-discretionary consulting, supported by a variety of portfolio management styles and affiliated research.

Jeffrey Gembis is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 credentials and bringing 42 years of industry experience. His career includes long tenures at Merrill and Bank of America before joining Morgan Stanley in 2024. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm provides a range of advisory programs, including tailored financial planning supported by structured processes and advanced modeling tools.